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Is there a service charge for inter-bank transfer? How much is the limit of mobile bank transfer

Now in addition to the Bank of communications in the amount of inter-bank transfer of 50000 yuan, the bank will need a certain handling fee. Most of the other banks do not charge for cross bank transfer by mobile phone. Is there a handling charge for inter-bank transfer? How much is the limit of mobile bank transfer? Xiaobian brings you to understand.

Is there a service charge for inter-bank transfer of mobile banking?

Transfer is a common behavior in our life. There are many ways of transfer, but it is often accompanied by the generation of service fees. Today, we will learn how much service fees need to be charged for cross bank transfer through mobile banking. First, we will divide the banks into state-owned banks and commercial banks according to their categories. State-owned banks, in addition to what we often call China rural industrial and Construction Corporation, also have transportation Banks and postal banks, except bank of communications needs to charge 0.24% of the handling fee for transferring more than 50000 yuan through the receiving bank, other banks do not need to charge handling fee for inter-bank transfer with mobile banks. If you want to completely charge no fees, you can first transfer the money you want to transfer to the Alipay balance, then turn it out to the bank card you want to receive, so you will not charge any fees.

Looking at commercial banks, common commercial banks include China Merchants Bank, Shanghai Pudong Development Bank, China Minsheng Bank, China CITIC Bank, industrial bank, etc., which do not need to charge any fees for cross bank transfer through mobile banking.

Mobile banking transfer limit:

Different banks have different transfer limits according to different transfer categories.

For example, China CITIC Bank's mobile transfer can be divided into standard version and professional version. The Standard Version refers to the personal online bank registered by itself or opened through the dynamic password version, with a single transfer limit of 50000 yuan and a daily accumulative limit of 50000 yuan; the professional version is generally the online bank opened or upgraded with a UK certificate version, with a single transfer limit of 500000 yuan and a daily accumulative limit of 500000 yuan.

Another example is China Construction Bank, which transfers through SMS password verification, with a single limit of 50000 yuan and a daily accumulative limit of 50000 yuan; through the dual verification of SMS dynamic password and device binding, with a single limit of 500000 yuan and a daily accumulative limit of 1 million yuan; through the transfer through general shield authentication, with a single limit of 5 million yuan, the daily accumulative limit is also 5 million yuan.

There is also China Merchants Bank, which logs in and transfers through professional document certificates, with a maximum amount of 50000 yuan per transaction, no total amount per day; transfers through online banking public version, no more than 200000 yuan per day, no single amount limit limit; transfers through one card 'ordinary' mode ukey can be adjusted to the maximum amount, no single amount limit limit.